What a one-time investment grows to, before and after inflation
Estimates only, not financial advice. What you type stays on your device. Updated on 24 Oct 2026.A single investment compounds on itself, so the later years add far more than the early ones ever do. One lakh at 12 per cent becomes about 3.1 lakh after 10 years, and the chart shows how little of that arrives in the first three.
Set the One-time investment, or pick an amount chip.
Set the Expected return and the Time period in years.
Choose Yearly or Monthly under Compounding.
Turn on "Show in today's money" and set Inflation to see the value in today's terms.
Read the estimated value, Invested and Gains, then press Share result.
The lumpsum calculator estimates what a single, one-time investment grows to over a number of years at an expected yearly return. You get the final value, the gain on top of what you put in, a chart of invested amount against value, and a year-by-year table. Switch on the inflation view to see the same value in today's money.
People use it when they have a bonus, an inheritance or a matured deposit to invest at once. ₹1,00,000 growing at 12% a year for 10 years becomes about ₹3.11 lakh; at 6% inflation that is worth about ₹1.73 lakh in today's money, which is the fairer figure to compare with a goal.
The formula, in plain text:
Here P is the amount invested, r the expected yearly return divided by 100, and n the number of years. Mutual fund and equity returns are usually quoted as yearly growth, so yearly compounding is the default; monthly compounding suits deposits that credit interest monthly.
Markets do not return the same percentage every year, and real returns can be lower or negative. Expense ratios, exit loads and tax are not included. Everything runs in your browser. Estimates only, not financial advice.
Sources: the standard compound interest formula; SEBI and AMFI investor education material on how mutual fund returns are expressed as compounded annual growth.
With compound interest: value = P × (1 + r)^n, where P is the amount, r the expected yearly return divided by 100 and n the years. ₹1,00,000 at 12% for 10 years becomes 1,00,000 × 1.12^10, about ₹3,10,585.
Inflation-adjusted value is what the future amount would buy in today's money. The calculator divides the future value by (1 + inflation) to the power of the years. At 6% inflation, 3.11 lakh ten years from now buys roughly what 1.73 lakh buys today, which is the figure to plan a distant goal against.
Use yearly for mutual funds and shares, because their returns are quoted as yearly growth. Use monthly for a deposit that adds interest every month. Monthly compounding at the same rate gives a slightly higher value.
Neither is better on its own. A lumpsum puts all the money to work at once, which helps if markets rise but hurts if they fall soon after. A SIP spreads the entry over time. Use the SIP Calculator alongside this one to compare.
No. The figure is before capital gains tax, before the fund's expense ratio and before any exit load, so the amount reaching your bank account is lower. Real fund returns also move year to year and can be negative; a steady 12% every year is an assumption, never a promise.
Yes, with no signup and no limit on use. Share copies a link that restores the amount, return, period and inflation rate you entered; Embed gives an iframe snippet for your own site. The sums run in your browser and nothing you type is stored on this site.
Formula only: no rates or limits are read from an official source.
Still stuck? Ask about Lumpsum Calculator and anybody who knows can answer. No account needed.
Also works as: Mutual Fund Lumpsum Calculator.
Same job, other tools: CD Early Withdrawal Penalty Calculator – See what breaking a CD before maturity takes out of your deposit · FD Calculator for Senior Citizens – Senior citizen FD interest, monthly or quarterly, with the extra rate added · FD Interest Calculator – Monthly or quarterly interest from a fixed deposit, and the total over the term.
On the related tools: Step-up SIP Calculator – See how raising your SIP every year changes the final corpus.
In the collection Investment Calculators.